Fairfax County Bankruptcy Attorney

As a leading bankruptcy law firm in Northern Virginia, we are frequently asked how to get out from under the burden of debt. Bankruptcy is often a tool our office recommends. However, We sit down and review our client’s financial situation, determine all options are available and look at whether bankruptcy is the right choice for our clients. If you are considering filing bankruptcy, make sure to talk to Fairfax County Bankruptcy Attorney Ashley F. Morgan. Our office is conveniently located in Herndon, Va, which is easily accessed by our Fairfax County bankruptcy clients. Our offices only two miles from Reston Town Center and only a short distance of off Fairfax County Parkway and Route 28. Our office also offers ample free parking.

Ashley F. Morgan Law, PC, is an experienced bankruptcy law firm in northern Virginia that is dedicated to helping you find a debt relief solution that works for you. We can eliminate your debt, get you back on track, and help you enjoy a fresh start on your financial well-being. For some people bankruptcy can help bring a fresh start and provide a way that can help manage their finances. One of our experienced bankruptcy attorneys will be able to review your situation and determine if bankruptcy is a viable option for you.

Bankruptcy is not a punishment or an admission of failure. It is a legal proceeding and a financial decision that relieves a debtor of some or all of their obligations to repay their debt, so they can afford to pay their basic living expenses. Although bankruptcy is not the best option for everyone, it an option for many people trying to manage substantial debt. Bankruptcy provides many people with the fresh financial start that they need to move forward.

The bankruptcy process

To qualify for Chapter 7, the court will look at your income for the last 6 months. If the debtor’s income is less than or equal to the state median, they can file for Chapter 7. This can mean it is more difficult for individuals to qualify for a Chapter 7. However, there is another way to qualify for Chapter 7 that involves using your income and subtracting out allowable expenses; this process is called the Means Test. Important allowable expenses are usually car payments, court ordered support payments, non-dischargable tax debt, and various other things. Additionally, if your income is above the state median, we are able to take in consideration other allowable expenses for your county under Internal Revenue Service guidelines. Fairfax County has some of the highest allowable deductions in the country due to the high cost of living. Basically the court understands that making $75,000.00 in Fairfax County is not the same as making $75,000.00 in Oklahoma City.

If you cannot qualify for Chapter 7 or have substantial non-exempt assets, we can sometimes recommend a Chapter 13. If you decide the right option for you is a Chapter 13, the Means Test will also dictate the amount of a payment you may have in Chapter 13.

Bankruptcy is a federal process, which means you file in a federal court. Most people file in the jurisdiction where you reside; if you live in Fairfax County, VA, you will usually file in the Alexandria Division of the Eastern District of Virginia. There are other ways to determine where you can file, such as where your largest asset is located; however, it is usually easiest to file in the jurisdiction you reside. Most of our bankruptcy clients never go the bankruptcy courthouse; most cases only have one mandatory appearance at the Meeting of Creditors (or 341 hearing). In Alexandria, this hearing is in an office building in Old Town Alexandria. It that meeting you will meet with the case trustee about your petition, debts, and assets. This is usually a hearing that takes three to five minutes for your questions.

Ashley F. Morgan Law, PC helps many individuals manage their debts every month. Attorney Ashley Morgan has experience dealing with all types of debts. She understands bankruptcy is one of many tools available to her clients, and she wants her clients to completely understand all the tools at their disposal before taking action. She also helps clients settle or negotiate debts if bankruptcy is not the right option. Ashley has helped hundreds of clients figure out the right way to manage their debt.

Attorney Ashley Morgan has helped individuals file bankruptcy for years.

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Ashley F. Morgan Law, PC

Ashley was amazing.

She put my mind at ease with filing. I was so scared to file but she put my mind at ease. I would recommend her to anyone. There is nothing negative to say about her. Loved working with her.

Lori

Strong

Very pleasant and understanding made me feel comfortable and was an easy process highly recommend her.

Rhonda

Best Lawyer ever!

I feel that I am blessed to have come in contact with Ashley. I found her in the yellow pages, made an appointment and from day one she has been with me and guided me every step of the way.… Read more “Best Lawyer ever!”

Gwonda

Thank you so much Ashley you are the best!

Ashley Morgan I am speechless when he comes to her knowledge and how well she preps her clients for example myself and how well she makes her clients feel comfortable in regards to the bankruptcy process. The most amazing knowledge… Read more “Thank you so much Ashley you are the best!”

Russell

The Perfect Team…Thank you Ashley

I was in caring hands from day one. I was not proud that I needed to hire an Attorney, but felt like family when meeting with Ashley and Coury. They held my hand through every phase of the process and… Read more “The Perfect Team…Thank you Ashley”

Law Offices of Juan E. Milanes, PLLC

A true professional!

I couldn’t be more satisfied!! Ms. Morgan took a bad situation and turned it into something good and positive. Everything was taken care of and explained in detail. A very sharp attorney…and a kind individual.

Astounding Work

DISCLAIMER

This law firm is a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code. This website is advertising material. The information, website links, and materials presented on this website are for general informational purposes only. It does not constitute legal advice. We do not warrant the accuracy, completeness, or usefulness of the information. You should not act or rely on the information without seeking professional counsel. You should consult an attorney regarding your own situation. Additionally, neither your receipt of information from this website, nor your use of this website to contact Ashley F. Morgan Law, PC (hereinafter “the Firm”) or one of its lawyers creates an attorney-client relationship between you and the Firm. You will become a client of the Firm only if and when you sign and engagement agreement setting forth the scope of the Firm’s engagement, the fee arrangement and other relevant matters. As a matter of policy, the Firm does not accept a new client without first investigating for possible conflicts of interests and obtaining a signed engagement letter or fee agreement. Your use of this website does not make you a client of the firm or even a prospective client of the Firm. If you have confidential information that you would like to give to any lawyer at the Firm, please communicate with one if the Firm’s lawyers in person or by telephone.

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Ashley F. Morgan Law, PC

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